Congratulations on learning about youth financial management methods! How can I protect my money? Help me! To wisely safeguard my finances, I need to utilize pensions and insurance. The basic structure of a pension includes the national pension, retirement pension, and personal pension. What should freelancers do if they don’t have a retirement pension? Freelancers can take advantage of personal pension accounts or the yellow umbrella deduction. There are pension accounts, including pension savings and IRP (Individual Retirement Pension). To strategically secure retirement funds, it is essential to enroll in both. It is advisable to create multiple pension accounts with different starting points for pension disbursement. However, if you enroll excessively, it may become difficult to manage in the long run. Therefore, be sure to consider your financial situation when opening accounts. If you resign, make sure to create a new IRP account to receive year-end tax deductions. This is crucial for my retirement funds.

You can't use it right now, so when you need a lump sum, you can withdraw the entire amount. Let's take a look at retirement pensions and the Financial Services Commission. Insurance might seem a bit daunting for some, but it can actually be a very good product for asset formation. It's advisable to consider insurance premiums at a maximum of 10 to 15% of your income. If it exceeds 30%, it might be worth reconsidering. For those in their 20s and 30s, there are affordable options known as adult insurance. They offer 20 to 30% lower premiums than standard plans while providing the same coverage and benefits. There are also no-claim refund insurance plans available. Before signing up for insurance, you can easily compare prices through the Financial Consumer Information Portal to find the lowest rates. Be sure to thoroughly research and only sign up for what you truly need. If you're new to insurance and wondering where to start, I would recommend beginning with health insurance.

가입하는 게 가장 좋을 것 같아. 실손 보험은 보험료가 일단 낮고, 내가 직접 사용한 병원비를 받을 수 있으니까 만족도도 높아. 내가 만약에 꼭 필요한 만 보장만 받겠다면, 4세대 실손 보험으로 전환하는 것도 나쁘지 않으니까 한번 비교해 봐. 시 중지하고 가는 방법도 있으니까, 내가 군대를 가거나 3개월 이상 해외 체류를 한다면 꼭 정지하라고 해. 그리고 이제 운전자 보험, 여행자 보험은 꼭 활용하면 내 돈도 지킬 수 있다는 거 잘 지키자.

슈카와 함께하는 빚투 예방, 돈 지키기

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